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  • FIRST POST
    • kirtsypoos
    • By kirtsypoos 7th Jun 16, 10:20 AM
    • 1,705Posts
    • 6,573Thanks
    kirtsypoos
    Payment a Day Chapter 17
    • #1
    • 7th Jun 16, 10:20 AM
    Payment a Day Chapter 17 7th Jun 16 at 10:20 AM
    *The principles of PADding*

    Emily Hallett started a fantastic thread called 'a payment a day' which you can find via going to this webpage (sorry it won't work for me right now)

    The thread is extremely supportive and friendly, with lots of madness and smileys to boot! It is ever increasing, which is why having hit 200 pages, challenge is continuing on a brand new thread.

    The principle of the idea is that you pay any extra money you have against a debt to clear it a little bit quicker. Not everyone makes a daily payment, but instead they save money to make a lump sum at the end of the month. You can do it anyway you want to, but join the thread and let us know how you are getting on.

    Some PaD-ers have cleared their debts and are now focusing on saving following the same principal, so they still post on the thread. Anyone is welcome to join in at anytime.

    Best wishes to everyone

    PS. Here are the rules


    *The Rules*
    1) To assist the monthly 'counter-upper' please post your PaD in Bold, colour, large, or all three
    2) Once you join, you cannot leave

    Total for our Latest Month (May 2016) was:

    £11,278.15 (Thanks Bobarella for being Mays counter Upper )

    June 2016:
    £27,734.49

    July 2016:
    £24,284.13

    August 2016:
    £30,740.14

    September 2016:
    £27,504.99

    October 2016:
    £14,546.08

    November 2015:
    £7,661.39
    Last edited by kirtsypoos; 01-12-2016 at 10:01 AM. Reason: New Total
    £2100/3000 OH BC(30.00% PAID) £1600/3851 B/C (58.45% PAID)
    £575/1000 Tesco (42.5% PAID) MBNA £3400/3795.64 (10.42% PAID)
    PAID VERY, Barclaycard, Vanquis, Natwest, O/D & MBNA PAID
    LBM 24/07/15 - Debt: £7675/31010.23 (75.25% paid)
    Mortgage - £85,000.00 (O/P £666.48 so far) PAYDBX 16 #006 - £14807.15/£10000
Page 60
    • Picklepot
    • By Picklepot 9th Oct 16, 3:10 PM
    • 252 Posts
    • 3,414 Thanks
    Picklepot
    Hi Everyone
    I have fallen off the bandwagon and played right into the hands of the credit card I am targeting to pay off Good news is they are interest free but if I don't get a wriggle on by feb 17 they wont be.

    They are so infuriating in that I cannot make additional payments without them deducting it off my min payment, I have discussed it with them and they say its because I don't bank with them, so I tried a transfer from my own bank where they still deduct.


    I work 12 hour days including commuting. Getting to screen/ padding too difficult ATM so I've kind of let things drop while I ponder this.


    Anyhow I hope you will have me back with a new plan.


    I've increased my direct debit to them (fixed) as opposed to min. payments. If the increased DD is OK I plan to keep increasing it. So I wont be padding every day but will post when those payments go through, but if I do find extra saves I will pay off the next CC who do allow me to do additional payments.


    Can I hop back on board please ?
    Last edited by Picklepot; 09-10-2016 at 3:19 PM.
    • sashanut
    • By sashanut 9th Oct 16, 11:36 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £7.98.. pmt to cc please ERME - tkyou!!
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • jet9cat
    • By jet9cat 10th Oct 16, 6:25 AM
    • 1,072 Posts
    • 8,628 Thanks
    jet9cat
    Welcome back picklepot


    Payment of £13.60 for me today please Erme
    Every penny's a prisoner
    PADding is addictive
    MFW August 2023 - unless I get my butt into gear
    • LittleMissDetermined
    • By LittleMissDetermined 10th Oct 16, 7:08 AM
    • 1,424 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Anyone can fall off picklepot the fact you've recognised it and re-joined is the first step beck to debt-freedom

    Hope everyone is well, I'm recovering from a very busy and quite spendy weekend I'm afraid... all pre-planned though! Bank round down gives £3.18 to the Credit Card today, thanks Erme

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1003.67/£1000 ... 3-6Mth Wages Challenge #4 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 10th Oct 16, 7:21 AM
    • 233 Posts
    • 1,407 Thanks
    swimminginaseaofdebt
    Morning everyone

    £5 to the credit card for me today courtesy of a mystery shop I completed back in August.
    1 debt vs 100 days part 24 - Target: £20/£600
    Pay all debt off by Christmas 2016 #150 - £1113.89/£1264.05 (87%)
    6 month challenge #65 - £0.71/£9000
    SPC10 #564
    • Erme
    • By Erme 10th Oct 16, 8:43 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Up on time though still very much in the land of nod LOL

    and still stress with laptops but at least one semi works


    so Saturday's total guys


    £206.11


    and Sabbath's lovely, peachy as a baby's bum total

    £26.43

    GO PADDERS!!!!


    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • StaceyJF
    • By StaceyJF 10th Oct 16, 9:14 AM
    • 9 Posts
    • 50 Thanks
    StaceyJF
    I've been absent for a few days for various reasons but back today and have paid £15 to the saving pot.
    Hope everyone has a great day!
    Debt 1- £30/£7000
    Debt 2- £0/ £200
    ISA- £59.81/ £10000 (< 1%)
    Other savings £55.55
    Saving for a forever home 26/09/2016

    • LittleMissDetermined
    • By LittleMissDetermined 10th Oct 16, 9:52 AM
    • 1,424 Posts
    • 5,592 Thanks
    LittleMissDetermined
    I've been absent for a few days for various reasons but back today and have paid £15 to the saving pot.
    Hope everyone has a great day!
    Originally posted by StaceyJF
    Have you started your new job yet? Hope it's going well if you have
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1003.67/£1000 ... 3-6Mth Wages Challenge #4 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • mandz1
    • By mandz1 10th Oct 16, 10:08 AM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    Little PAD to cc of £3.08
    • sashanut
    • By sashanut 10th Oct 16, 11:34 PM
    • 2,323 Posts
    • 22,778 Thanks
    sashanut
    Hi all
    Popping in with a PAD - £67.69.. pmt to cc please ERME - tkyou!!
    New start JAN15 - NOT BUYING IT 2015 . Long haul DFW #145 : 2011 DEBTBUSTING : £5500 OD GONE, £2000 OD - GONE £93,610.30 cc & loan debt - GONE 27.6.14 FINALLY DEBT & MORTGAGE FREE
    • bobcat2
    • By bobcat2 11th Oct 16, 12:34 AM
    • 32 Posts
    • 48 Thanks
    bobcat2
    This looks like a good idea, i'll be joining in with this
    • bobcat2
    • By bobcat2 11th Oct 16, 12:53 AM
    • 32 Posts
    • 48 Thanks
    bobcat2
    I'll start of with £18.65 from selling on eBay paid to my Barclaycard.
    • swimminginaseaofdebt
    • By swimminginaseaofdebt 11th Oct 16, 5:14 AM
    • 233 Posts
    • 1,407 Thanks
    swimminginaseaofdebt
    Morning everyone,

    £1 to the change jar for me today.
    1 debt vs 100 days part 24 - Target: £20/£600
    Pay all debt off by Christmas 2016 #150 - £1113.89/£1264.05 (87%)
    6 month challenge #65 - £0.71/£9000
    SPC10 #564
    • LittleMissDetermined
    • By LittleMissDetermined 11th Oct 16, 6:07 AM
    • 1,424 Posts
    • 5,592 Thanks
    LittleMissDetermined
    Just a small bank round down for me of £1.38 to credit card please Erme

    Have a great Tuesday

    LMD xx
    Target Debt Free Day 27th Jan 2018
    Life gets in the way...PADding is addictive... Saving's better than spending...

    £1000 EF Challenge #142 £1003.67/£1000 ... 3-6Mth Wages Challenge #4 £1450 /£7129...
    24 23 22 21 20 19 18 17 months of Debt-busting to go...
    • Dizzy Imp
    • By Dizzy Imp 11th Oct 16, 7:09 AM
    • 1,810 Posts
    • 15,546 Thanks
    Dizzy Imp
    Morning everyone

    Completely forgot to post yesterday so declaring it today £600 to three places, plus my usual sofa payment of £41.08 - so £641.08 please Erme x

    Well done peeps!
    DFBXmas2016 #27 £3606.60/£34,027.17 = 10% as at 28/6/2016/2016
    Wombling total 2016 = £5649.63 as at 14/11/2016
    Sealed pot challenge 2017 (#501)1/6/2016 = 10.12.2
    • Erme
    • By Erme 11th Oct 16, 7:55 AM
    • 3,515 Posts
    • 21,107 Thanks
    Erme
    Anyone can fall off picklepot the fact you've recognised it and re-joined is the first step beck to debt-freedom


    LMD xx
    Originally posted by LittleMissDetermined
    This is so true and wise words . Yes I am now debt free but I lost count of the amount of times I fell off the wagon or just plainly stalled. Not just picklepot but any lurker who has fallen off the wagon please rejoin. Don't be put off by other's huge pads - really I'm a huge fan of the little pads as they are the hardest!!! We are not going to judge you if you are lurking because you have fallen off the wagon though we might present thee with the really kitsch dancing llama smiley or some virtual cake!!!

    So like I said - yesterday was a day of little pads. Erme has been up since 4am and has already had choccie LOL. Erme is still on her own planet but that's ok.

    Yesterday's total was a lovely

    £107.55

    and wee have today's wee smiley


    (I told you I felt nuts this morning LOL)


    E

    I believe in the power of PAD
    Come and join us on the Payment a Day thread


    • mandz1
    • By mandz1 11th Oct 16, 11:37 AM
    • 2,289 Posts
    • 9,838 Thanks
    mandz1
    £20 to cc today please erme
    • Keedie
    • By Keedie 11th Oct 16, 2:08 PM
    • 131 Posts
    • 539 Thanks
    Keedie
    Hey All,

    Had a busy few days, and no money, so unable to PAD. But my minimum payment to MBNA came out today, so can you put me down for £39.75 please Erme.

    Hope you're all doing well.

    Take Care,

    Keedie
    xx
    LBM 27/06/16 = £20,251.45 (7 creditors) BUT on 28/11/16 = £11,655.45/£20,251.45 (4 creditors) = 57.55% repaid
    Aiming to be Debt Free = 31/12/2018
    • ahall3519
    • By ahall3519 11th Oct 16, 7:05 PM
    • 74 Posts
    • 169 Thanks
    ahall3519
    Good evening everyone! Please put me down for £15 to the usual Barclaycard CC!
    Barclaycard Debit as of April 2016-£1008.07
    As of November 2016 Statement-£423.07=58% paid
    • bobcat2
    • By bobcat2 11th Oct 16, 9:49 PM
    • 32 Posts
    • 48 Thanks
    bobcat2
    £0.37 to credit card, today, this is just to see if the payment actually goes through ok from my bank app as its a new payment. I may be here some time at this rate
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